{
      "tool_id": "art-232-compute-scra-rate-cap",
      "tool_version": "1.0.0",
      "display_name": "Compute SCRA Rate Cap",
      "mcp_name": "compute_scra_rate_cap",
      "mandate_type": "compliance_mandate",
      "wave": 39,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-232-compute-scra-rate-cap.html",
      "description": "Computes the SCRA 6% interest rate cap per 50 USC §3937 for pre-service loan obligations. Calculates covered months, excess interest, and forgiveness amount. Excess interest is always forgiven (not deferred) per 50 USC §3937(a)(2). Checks servicemember notification requirement. Flags SCRA_RATE_CAP_VIOLATION (original rate > 6%) and SCRA_NOTIFICATION_MISSING. Table: SCRA-50USC3937-2022.",
      "input_schema_ref": "chaingraph/art-232-compute-scra-rate-cap.html#manifest",
      "consumes": [
        "art-231-compute-mla-mapr"
      ],
      "feeds": [],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:0a3d8bc33a4d50ca92a1673b6b23e5bcb483ad80dc375dfba12094440fc0d32d","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-04"}],
      "export_capability": [
        "json"
      ],
      "compute_proof_ready": "ready",
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "B3RAVhZrxYYEo1H6oJBwtijcM2UwY0u989vCXCYbo0MOSiDvFXGbrDfQKk0GfGoTCm/zSoIJMlssm4H3yV52TghbnvAzxGFbj7lacj+wBB3mdCbqQ8lUJ16ZG2jFUWutME1o6ANQb4y5uxc9gmp9fDM1MZo2K+fKm0+tJYRuLKMP5MHB7JKTDjxSCNKLel+gTvvq3gMARdoQ1tJhIs7YSx1zhEjVGRiVorr3O5ffBqfLuxBaHzSir2ShYRCFdNTkDgst7Py4jC0yk6533JJo2BGhVyyB8YgJ5l8iyGu5z5kS1C9cxKSVZPgExjLu7WYeGZL11dEdzItx7JBvIMaTmg==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:0a3d8bc33a4d50ca92a1673b6b23e5bcb483ad80dc375dfba12094440fc0d32d",
          "output": {
            "capped_rate_pct": 6,
            "covered_months": 12,
            "effective_rate_pct": 6,
            "exceeds_cap": true,
            "excess_forgiven": true,
            "excess_rate_pct": 2,
            "interest_delta_forgiven": 200,
            "is_pre_service_obligation": true,
            "loan_balance": 10000,
            "original_rate_pct": 8,
            "pii_note": "All inputs are processed locally in your browser. No data is transmitted.",
            "regulatory_basis": "50 USC §3937 (SCRA); formerly Soldiers and Sailors Civil Relief Act 50 USC §527; DoD Financial Management Regulation 7000.14-R Vol 7A Chapter 40",
            "retroactive_credit": 200,
            "scra_note": "Per 50 USC §3937(a)(2), excess interest above 6% must be forgiven -- creditor may not collect deferred excess after active duty ends. This is not a deferral.",
            "servicemember_notified": true,
            "table_source": "50 USC §3937 (SCRA codified 2003, Pub. L. 108-189 Dec 19 2003); 50 USC §3937(a)(1) 6% annual rate cap; 50 USC §3937(a)(2) excess forgiven not deferred; 50 USC §3937(d) 180-day notice requirement",
            "table_version": "SCRA-50USC3937-2024",
            "total_interest_at_cap": 600,
            "total_interest_at_original_rate": 800
          }
        }
      }
    }